InterMiles HDFC Bank Signature Credit Card

HDFC InterMiles Signature Credit Card Features and Benefits

The HDFC Intermiles Signature Credit Card is one of the best travel credit cards in india that comes with exclusive benefits, including bonus intermiles, complimentary air tickets, lounge access, and many more. Following are the detailed features & benefits of the Intermiles Signature Card by the HDFC Bank:

Welcome Benefits

• You get InterMiles Silver Membership for the first year with your Visa InterMiles Signature Card.
• You get 3,000 bonus miles on spending Rs. 6,000 within 30 days after receiving your card.
• You get 5,000 InterMiles on spending over Rs. 90,000 within 90 days after receiving your card.
• You get Flight discount vouchers worth Rs. 750 for the first year.
• You get Hotel discount vouchers worth Rs. 2,000 for the first year.

InterMiles HDFC Bank Signature Credit Card Rewards:

• You get 6 Inter Miles on every Rs. 150 you spend on retail purchases.
• You get 12 InterMiles on every Rs. 150 spent on flight & hotel bookings through on www.intermiles.com/flights.
• You will not earn any intermiles on your purchases worth below Rs. 150.
• Transactions like fuel purchases, e-wallet reloadings, and EasyEMI will not be eligible for Intermiles.
• The maximum Intermiles you can earn on insurance categories is capped at 2,000 miles per day.

Travel Benefits

• You can avail of 16 complimentary domestic lounge access per year (4 per quarter) through the VISA Lounge Program / MasterCard Lounge Program.
• The primary cardholders can access 5 free International Lounge access every year through the Priority Pass. The lounge visits within India using Priority Pass will be charged at Us $27 + GST, and the same charges would be applicable for International lounge visits other than the 5 complimentary visits.
• On booking through https://flights.intermiles.com, you get 15 InterMiles for Etihad Airways tickets, a 5% discount on Etihad Airways Economy Class tickets, a 10% discount on Etihad Airways Business Class tickets.
• Get Complimentary one-year Intermiles Silver Tier membership.

Dining Benefits

You get up to a 35% discount on dining when you use your InterMiles HDFC Bank Signature Credit Card. Also, you get exclusive Dineout Passport Membership that offers:

• An assured discount of 25% at over 2000 premium restaurants.
• An additional discount of 10% on using your InterMiles HDFC Signature credit card.
• 1+1 on the buffer at more than 200 restaurants.
• Early access to several events and festivals.

Other Benefits

Other than all the above benefits, you get renewal benefits every time you pay the renewal fee (i.e. every anniversary year). These benefits include 6,000 InterMiles on spending over Rs. 6000 within 30 days after card renewal. Other than that, you also get Flight and Hotel Discount vouchers worth Rs. 750 and Rs. 1000 respectively.

Joining and Renewal Fee Waiver

The renewal of Rs. 2,500 will be waived off if you spend Rs. 3 lacs or more in the previous year.

Low Foreign Markup Fee

You get a low markup fee of 2% on your foreign conversion using this card. Banks tend to charge a markup fee of 3.5% on all foreign transactions.

Zero Liability Protection

The HDFC bank provides its credit cardholders with zero liability protection against a lost or stolen card. The HDFC bank cardholders will not be liable for any fraudulent transactions made on the card if the card has been reported lost/stolen to the bank in a timely manner.

Intermiles HDFC Bank Signature Credit Card Reward Points Redemption

• The InterMiles earned can be redeemed easily against flight/hotel bookings through the website intermiles.com.
• The InterMiles HDFC Bank Signature credit card charges a reward redemption fee of Rs. 99 on every redemption request.

Intermiles HDFC Signature Credit Card Fees and Charges

• The Intermiles HDFC Bank Signature Credit Card comes with an annual fee of Rs. 2,500, which can be waived off if you have spent Rs. 3 lakhs or more in the previous year.
• The interest rate on this credit card is 3.6% per month, i.e, 43.8% annually.
• The foreign currency markup fee on the Visa Intermiles Signature Card is 2% on all international transactions. This fee is charged when a transaction is made in a different currency using this credit card.
• The cash advance charges on this credit card are 2.5% of the cash amount withdrawn, subject to a minimum of Rs. 500. This fee is charged when you withdraw cash using your Intermiles HDFC Signature card.

InterMiles HDFC Bank Signature Credit Card Eligibility & Documentation

The basic eligibility criteria (age and income requirements) that needs to be fulfilled by the applicants in order to get approved for the Intermiles HDFC Signature Credit Card is as follows:

Other than this, you will be required to have a good credit score. Moreover, the bank may have some internal eligibility criteria as well, based on which, your application for this card might be approved or rejected.

Documents Required

Following are the documents that will be required in order to apply for the Intermiles HDFC Bank Signature Credit Card:

• Identity Proof – Aadhar Card, PAN Card, Voters’ Id, Passport, etc.
• Address Proof – Utility bills, Aadhar Card, PAN Card, Driving Licence, Ration Card, Passport, etc.
• Income Proof – Latest salary slips, latest bank statements, or the latest copy of ITR.

Intermiles HDFC Signature Credit Card Limit

The HDFC Bank has not disclosed anything about the credit limit it provides with the Visa Intermiles Signature Card. It should most probably be more than Rs. 2 lakhs. However, the credit limit may vary for all cardholders, depending on their net income and past payment behavior. You may get a lower credit limit initially, but if you keep using your credit card responsibly, the HDFC Bank will give you a limit upgrade every year. If you want to get a higher credit limit on your Visa Intermiles Signature Card, you can contact customer care for the same.

How To Apply For The Intermiles HDFC Signature Credit Card?

You can apply for the Intermiles HDFC Bank Signature Credit Card online as well as offline at your convenience. If you want to apply online, you can simply visit your nearest branch and fill in the physical application form for the same. In order to apply online for this card, follow the below-mentioned steps:

• Visit the official website of HDFC bank.
• Under the section ‘Borrow,’ click on ‘Credit Cards.’
• Under the Travel category, select the ‘Intermile HDFC Bank Signature Credit Card’ and click on ‘Apply Online.’
• Start the application process by entering your mobile number and captcha.
• Fill in all the required details and submit.

How To Check Intermiles HDFC Signature Credit Card Application Status?

If you have already applied for the Intermiles HDFC Bank Signature Credit Card, you can track the status of your application as follows:

• You can simply go to the application tracking page of the HDFC bank credit cards, enter your application number or any of the required details and the status of your credit card application will be there on your screen.
• You can also contact the HDFC bank credit card customer care and ask them for your Intermiles HDFC Bank Signature credit card application status.
• Another way to check your card application status is to visit your nearest HDFC branch and ask the bank executives for the same.

Intermiles HDFC Signature Credit Card Activation and PIN Generation

Following are the different ways to activate your Intermiles HDFC Bank Signature Credit Card and generate its PIN:

• You can generate the PIN of your Intermiles HDFC Signature Card by logging in to your internet banking account under the section ‘Manage Your Card.’
• You can also generate the PIN of your credit card via an ATM nearest to you. Visit the ATM and from the main menu, find an option to generate a credit card PIN.
• You can also contact the HDFC Bank credit cards customer care and ask them to assist you on the same.

Intermiles HDFC Signature Credit Card Bill Payment

It is always a good idea to have alternate methods for bill payment so that you can use them in case your primary method doesn’t work. Following are the different methods to pay your HDFC credit card bill:

• You can make your Intermiles HDFC Bank Signature Credit Card bill payment via the HDFC Bank billdesk page. Just enter your credit card number, registered email id, amount to be paid, and make the payment.
• You can also pay the bill via internet banking. You will find the option ‘Credit Card Payment’ under the section ‘Credit Cards’ and proceed further accordingly.
• If you want to make the payment from an account that is in a different bank, you can do it via NEFT. Enter your credit card number as the account number and pay the bill.
• If you use digital payment apps like Paytm, PhonePe, etc, you can easily find the option of Credit Card Bill Payment on the home page of these apps and hence it is one of the easiest methods for credit card payment.
• You can also make your credit card payment offline either by dropping a cheque at your nearest HDFC Bank ATM or via cash or cheque by visiting your nearest branch.

Intermiles HDFC Signature Credit Card Login/Net Banking

To register your InterMiles HDFC Bank Signature Credit Card for internet banking, you can follow a few simple steps as mentioned below:

• Visit the HDFC Bank’s official website.
• Under the section ‘Ways to Bank,’ choose online banking.
• Select Credit Card Internet Banking and click on Register Online.
• Fill in all the required details and your card will be registered for internet banking.

Intermiles HDFC Signature Credit Card Customer Care

You might want to contact customer care for your queries related to the Intermiles HDFC Bank Signature Credit Card. Following are the details that you can use to contact them:

• If you need emergency assistance, you can simply call on their 24*7 helpline number, i.e, 1800 266 4332.
• If you prefer writing emails, you can write and send an email to [email protected].

Cards Similar To Intermiles HDFC Signature Credit Card

Who Should Apply for the Credit Card

The InterMiles HDFC Bank Signature credit card is perfect for people who frequently travel as they can make a lot of savings on their flight and hotel bookings with the card. You get InterMiles for your spends with the card, exclusive discounts on Etihad Airways, and complimentary domestic and international airport lounge access with the card.

Thus, you should go for this card if you want to save money while making flight/hotel bookings. However, one negative is that the InterMiles can only be redeemed on the InterMiles website and not anywhere else. You can look for other options if you want to redeem your reward points against multiple options.

Review

The InterMiles HDFC Bank Signature credit card has several advantages with really exciting travel benefits. So, it can be best suited for people who travel frequently, but traveling benefits are not the only benefits that the card provides. Due to its exclusive reward offers, dining benefits, travel benefits, and other advantages, it can be considered a good credit card choice.

One of its really good features is: it has a low foreign currency markup fee (2%). Other than that, the welcome benefits of the card are really exciting. So, if you are looking for a credit card with a variety of benefits, including exclusive travel and dining benefits, you can definitely go with the InterMiles HDFC Bank Signature credit card.